If you rely on a motorcycle for commuting, work, or weekend rides, the idea of losing it in bankruptcy can be stressful. Michigan riders filing Chapter 7 often want to know whether a trustee can take the bike or whether there are lawful ways to protect it. The answer depends on your equity, exemptions, and how the loan is handled.
Yes—many Michigan filers can keep a motorcycle in Chapter 7 if the bike’s equity is fully covered by exemptions and they either stay current on a reaffirmed loan or redeem the vehicle. If equity exceeds exemptions or payments lapse, the trustee or lender may take it.
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